Drive with Confidence
Why work with an independent insurance agent for Car Insurance?
When it comes to protecting your vehicle, working with an independent insurance agent can make all the difference. Unlike agents tied to a single insurance company, independent agents represent multiple carriers, giving them the flexibility to find the best coverage and rates tailored to your unique needs. They take the time to understand your driving history, vehicle type, and coverage preferences, and can explain complex policies in simple terms. Plus, their commitment doesn&t stop after the policy is signed—they act as your advocate, assisting with claims and providing ongoing support as your needs evolve. Choosing an independent agent means gaining a trusted advisor who prioritizes your best interests, helping you navigate the car insurance process with confidence and ease.
Design the coverage you need — simply, smoothly, and on your terms.
When it comes to protecting your car, you deserve coverage that fits your needs perfectly. Customizing your car insurance couldn’t be simpler with options designed to match your lifestyle, budget, and driving habits. Whether you’re looking for basic liability coverage or comprehensive protection, you can tailor your policy to include exactly what you need—and nothing you don’t. Add features like roadside assistance, rental reimbursement, or accident forgiveness to enhance your peace of mind. With flexible options and straightforward tools, adjusting your car insurance is quick, easy, and stress-free. Get the coverage you want today, on your terms.
Liability
🛡️ What Liability Coverage Includes
- Bodily Injury Liability (BIL): Covers medical expenses, lost wages, and even pain and suffering for others injured in an accident you caused.
- Property Damage Liability (PDL): Pays for repairs or replacement of vehicles, buildings, fences, or other property you damage.
- Legal Defense Costs: If you're sued, it can help cover attorney fees, court costs, and settlements up to your policy limits.
⚖️ Why It’s Required
Most states mandate it because it protects other people from the financial fallout of your mistakes. It’s a way of ensuring that victims aren’t left footing the bill — and that drivers take financial responsibility for their actions.
Comprehensive & collision
Protects your car from the unexpected
Comprehensive and collision coverage are commonly bundled when insuring a new or high-value vehicle.
They offer financial protection against unexpected damage — whether from accidents, theft, natural disasters, or other incidents.
While these coverages aren’t mandated by state law, they’re often required by lenders or leasing companies as part of your financing agreement.
Comprehensive Coverage: Protects against non-collision events such as theft, vandalism, fire, hail, hitting an animal, or other natural disasters. It elps pay for repairs or replacement.
Collision Coverage: Covers damage to your car from an accident, regardless of who’s at fault. It helps pay for repairs or replacement.
Roadside assistance
Pays for towing services and more
Roadside Assistance is an optional add-on to your auto insurance that provides help when your car breaks down.
Services typically include towing, winching, battery jump-starts, fuel delivery, lockout assistance, and flat tire changes.
In some states, you can also add Trip Interruption coverage, which reimburses costs like lodging, meals, and travel if your vehicle breaks down far from home and needs repairs.
Whether you're in your own driveway or on the road, you can get help if your vehicle has stopped running due to non-accident-related events
Example: Your car breaks down and you need to get it to a repair shop. We'll arrange to tow your car anywhere in a 15-mile radius or to the nearest shop.
Uninsured / underinsured motorist
Protects you from drivers who can't pay for damages
Uninsured/Underinsured Motorist Coverage (UM/UIM): Required in some states, this coverage helps pay for your injuries if you're hit by a driver who has little or no insurance.
It offers peace of mind by covering medical expenses and damages when the at-fault driver’s liability coverage isn’t enough.
Example: If you're rear-ended by a driver without insurance, Uninsured/Underinsured Motorist (UM/UIM) Coverage can help pay for your medical expenses and car repairs—up to the limits of your policy.
This is where our journey to protect your vehicle begins. Get to know our car insurance options and how we're committed to quality and great service. Join us as we help you drive with confidence. We're glad you're here to be a part of our story.